First National Bank of Giddings: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions climbed 9.7% in Q2 2026, from $12.7M to $13.9M. It was the largest change from Q1 2026 among the key lines here. First National Bank of Giddings ranks 123rd of 346 Texas banks on loan-to-deposit ratio, in the upper half at 81.08% (Q2 2026). At 81.08%, First National Bank of Giddings's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $13.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $88.9M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $5.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.40% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.08% |
| Net loans and leases to deposits | 79.86% |
| Loans and leases to core deposits | 90.73% |
| Core deposits to total deposits | 89.37% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 76.45% | 91.03% | $0 | $13.0M |
| Q4 2023 | 74.86% | 91.30% | $0 | $10.0M |
| Q1 2024 | 73.96% | 92.41% | $0 | $10.0M |
| Q2 2024 | 77.01% | 90.14% | $0 | $5.5M |
| Q3 2024 | 77.18% | 90.35% | $0 | $10.0M |
| Q4 2024 | 81.56% | 90.43% | $0 | $13.0M |
| Q1 2025 | 79.19% | 88.95% | $0 | $3.0M |
| Q2 2025 | 83.11% | 89.54% | $0 | $15.0M |
| Q3 2025 | 82.05% | 89.96% | $0 | $17.0M |
| Q4 2025 | 81.69% | 89.74% | $0 | $10.0M |
| Q1 2026 | 80.90% | 90.00% | $0 | $5.0M |
| Q2 2026 | 81.08% | 89.37% | $0 | $5.0M |
First National Bank of Giddings liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Giddings, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank of Giddings profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3217) · FFIEC NIC profile (RSSD 324153)